MAM

Breaking Down the Report: Why Two-Wheeler Insurance is Getting More Expensive and What Drivers Can Do

Published

2 months ago

December 13, 2025

Two-wheeler premiums are rising, and many riders saw it on their latest bike insurance policy renewal. The causes are clear: parts and labour inflation, higher medical costs, denser traffic, and periodic third-party rate revisions. In this article, you’ll learn why two-wheeler insurance is getting more expensive, what’s driving the numbers, and what you can do as a rider to manage premiums without compromising on safety or coverage.

Why Two-Wheeler Premiums are Rising

Insurers don’t increase premiums randomly. They are balancing the money collected as premiums against what they pay out as claims. When the second number starts catching up with or overtaking the first, prices change.c

1. Repairs And Medical Care Cost More Than Before

Spare parts, labour at workshops, and garage infrastructure have all become more expensive. Modern bikes come with electronics, sensors, and premium parts, which push repair bills up even after a moderate accident.
Hospitalisation and treatment costs have also risen. When injuries are involved, claims cover more than just the vehicle. Insurers price in these higher expected costs.

2. More Frequent And Severe Claims

Traffic density is higher in urban and semi-urban areas. More vehicles, longer commute times, and distracted riding raise accident rates and average claim amounts. If claim frequency or severity rises across the portfolio, premiums follow.

3. Regulatory And Compliance Factors

Third-party liability cover is legally mandatory. When third-party rates are revised, insurers must reflect those changes. Compliance, digital security, and fraud-control systems add to operating costs, indirectly influencing pricing.

4. Changing Risk Profile Of Riders

Usage patterns have shifted. Many riders use two-wheelers for deliveries and longer daily distances. Even if your own usage is modest, overall exposure may be higher, nudging baseline rates up, especially for profiles linked to more claims.

What Riders can Do To Stay Protected And Control Costs

You can’t control inflation or regulatory moves, but you can take steps to keep premiums efficient while staying adequately covered.

Optimise Coverage And Add-On Covers

Start by checking whether your plan matches how you ride.

● Maintain own-damage cover along with mandatory third-party cover. Dropping own-damage to save a little can backfire if your bike is stolen or severely damaged.

● Review add-on covers for real-world fit. Roadside assistance, engine protection, or consumables cover can be valuable, but avoid stacking add-ons “just in case.”

A zero depreciation policy (zero-dep add-on) is a good example. It costs more because the insurer won’t deduct part depreciation during a claim. For newer bikes, it can significantly improve payout. For older vehicles with lower IDV, the extra cost may not always be justified. Reassess every renewal rather than auto-selecting it.

Use IDV And Deductibles Wisely

IDV is the maximum you receive for total loss or theft. Setting it too low to cut premium risks under-compensation later; inflating it only raises the premium without real benefit.
Voluntary deductibles lower your premium if you’re willing to pay a higher out-of-pocket share per claim. This helps riders who expect to claim only for major incidents and can self-fund minor fixes.

Protect Your Claim History

A clean record earns No Claim Bonus (NCB), reducing premiums over time.

● Settle minor scratches or cosmetic fixes yourself.

● Ride defensively: observe speed limits, avoid risky manoeuvres, and be extra cautious at night or in the rain.

Fewer incidents protect both your finances and your renewal benefits.

Make The Claim Process Smooth And Transparent

When you buy bike insurance online or comprehensive bike insurance, understanding the claim process in advance saves time and reduces friction. Inform your insurer immediately and follow the documentation steps carefully.

● Inform your insurer immediately and follow the documentation steps.

● Prefer authorised network garages for cashless settlement and smoother coordination.

● Share accurate incident details; inconsistencies can lead to deductions or rejection.

The Bottom Line

Two-wheeler premiums are rising for data-driven reasons: expensive repairs, increased claim frequency, regulatory updates, and shifting rider behaviour. You can’t escape these trends entirely, but you can make sharper choices: align coverage to usage, select meaningful add-on covers, reassess a zero depreciation policy annually, protect your NCB, and understand the claim process before you need it. Do that, and you’ll stay well protected on the road while keeping insurance costs under control.

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Brands

Delhivery chairman Deepak Kapoor, independent director Saugata Gupta quit board

Published

3 days ago

January 31, 2026

indiantelevision.com Team

Gurugram: Delhivery’s boardroom is being reset. Deepak Kapoor, chairman and independent director, has resigned with effect from April 1 as part of a planned board reconstitution, the logistics company said in an exchange filing. Saugata Gupta, managing director and chief executive of FMCG major Marico and an independent director on Delhivery’s board, has also stepped down.

Kapoor exits after an eight-year stint that included steering the company through its 2022 stock-market debut, a period that saw Delhivery transform from a venture-backed upstart into one of India’s most visible logistics platforms. Gupta, who joined the board in 2021, departs alongside him, marking a simultaneous clearing of two senior independent seats.

“Deepak and Saugata have been instrumental in our process of recognising the need for and enabling the reconstitution of the board of directors in line with our ambitious next phase of growth,” said Sahil Barua, managing director and chief executive, Delhivery. The statement frames the exits less as departures and more as deliberate succession, a boardroom shuffle timed to the company’s evolving scale and strategy.

The resignations arrive amid broader governance recalibration. In 2025, Delhivery appointed Emcure Pharmaceuticals whole-time director Namita Thapar, PB Fintech founder and chairman Yashish Dahiya, and IIM Bangalore faculty member Padmini Srinivasan as independent directors, signalling a tilt towards consumer, fintech and academic expertise at the board level.

Kapoor’s tenure spanned Delhivery’s most defining years, rapid network expansion, public listing and the push towards profitability in a bruising logistics market. Gupta’s presence brought FMCG and brand-scale perspective during a period when ecommerce volumes and last-mile delivery economics were being rewritten.

The twin exits, effective from the new financial year, underscore a familiar corporate rhythm: founders consolidate, veterans rotate out, and fresh voices are ushered in to script the next chapter. In India’s hyper-competitive logistics race, even the boardroom does not stand still.

MAM

Meta appoints Anuvrat Rao as APAC head of commerce partnerships

Published

3 days ago

January 31, 2026

indiantelevision.com Team

SINGAPORE: Anuvrat Rao has taken charge as APAC head of commerce and signals partnerships at Meta, steering monetisation deals across Facebook, Instagram and WhatsApp from Singapore. The former Google executive, known for launching Google Assistant, PWAs, AMP and Firebase across Asia-Pacific, steps into the role after a high-growth stint as chief business officer at Locofy.ai.

At Locofy.ai, Rao helped convert a three-year free beta into a paid engine, clocking 1,000 subscribers and 15 enterprise clients within ten days of launch in September 2024. The low-code startup, backed by Accel and top tech founders, is famed for turning designs into production-ready code using proprietary large design models.

Before that, Rao founded generative AI venture 1Bstories, which was acquired by creative AI platform Laetro in mid-2024, where he briefly served as managing director for APAC. Alongside operating roles, he has been an active investor and advisor since 2020, backing startups such as BotMD, Muxy, Creator plus, Intellect, Sealed and CricFlex through a creator-economy-led thesis.

Rao spent over eight years at Google, holding senior partnership roles across search, assistant, chrome, web and YouTube in APAC, and earlier cut his teeth in strategy consulting at OC&C in London and investment finance at W. P. Carey in Europe and the US.

Brands

Brnd.me enters Europe as haircare brands power global expansion

Published

3 days ago

January 31, 2026

indiantelevision.com Team

Bengaluru: Brnd.me, the global consumer brands company formerly known as Mensa Brands, has entered the European market following strong momentum across the Middle East, the United States and Canada.

The company has launched across the UK, Germany, France and Spain, with plans to expand into Italy, the Netherlands and Poland over the next year. The push is being led by its haircare and aromatherapy brands, Botanic Hearth and Majestic Pure, marking Brnd.me’s first structured expansion into Europe.

The European beauty market represents a total addressable opportunity of over $4 billion across haircare and aromatherapy, supported by high digital adoption and demand for accessible, performance-led products.

Brnd.me’s hair care and aromatherapy business currently operates at an annual run rate of around $6 million, with Botanic Hearth and Majestic Pure delivering roughly 10 per cent month-on-month growth, driven by expansion and rising repeat demand.

To support regional growth, the company has appointed a general manager based in Germany and is evaluating investments in warehousing and local team expansion.

Early traction has been strong. Within weeks of launch, Botanic Hearth’s rosemary hair oil ranked among the top five hair oils in Germany, signalling strong consumer pull in a competitive market.

Brnd.me founder and chief executive officer Ananth Narayanan, said Europe represents the next phase of the company’s international strategy. He added that the European business is expected to scale to a $10 million annual run rate by the end of 2026, with long-term ambitions to reach $60 million over the next six years.

The company’s Europe strategy centres on digital-first distribution, repeat demand and TikTok-led discovery, alongside direct-to-consumer expansion to strengthen brand equity and margins.

The move also aligns with growing EU–India trade engagement, supporting long-term sourcing and cross-border supply chains.